Niko J. Caparisos CSFS®
Niko J. Caparisos CSFS®
Niko's entire professional career has been devoted to Health and Welfare Consulting, beginning in 2008. He attended Savannah Country Day School and then the University of Georgia prior to joining a small insurance agency in Savannah, GA. Having many seasoned mentors in his field, he began working with hundreds of small companies on their benefits program renewals and learned about the insurance market, service norms, and how many different companies structured their benefits programs.
In 2010, Niko quickly realized that starting his own firm was the best way to serve his clients. Prosperity Benefits, LLC was established in 2012 and Niko was able to maintain his loyal client base in the process. Niko knew that there was no set benchmark for what made a brokerage truly great, so he took a 6 month pause to heavily research industry-leading insurance agencies to learn what they did internally and for their clients that helped them achieve their positions in the field. He set out to learn from the best in the business, and realized that the largest brokerages did not focus on small to mid-sized companies. Knowing this, Niko set his sights on scaling Fortune 500-level benefits programs to smaller organizations.
Niko is passionate about his work and enjoys living in the Lowcountry with his wife Kate, daughter Ella, and their two dogs.
Of course, Niko doesn't work alone. There is a robust, Charleston-based support team that assists with client maintenance functions like additions, terminations, claims disputes, Human Resources Consulting, and much more. This team is compensated by the carriers directly as a General Agency, eliminating the need, at this point, for Prosperity Benefits to have an internal service team. As the agency client base grows, so too will the internal team. Prosperity Benefits serves Georgia, South Carolina, and North Carolina.
There is also a partnership with BenefitMall for clients in Georgia that work with Humana, Blue Cross Blue Shield, Aetna, United Healthcare, and several TPA's. BenefitMall is the largest General Agency in the country, providing HR, legal, service, and other support to Prosperity clients.
Maxwell Health provides the Agency's private exchange and benefits administration platform and they have a team of seasoned technology and insurance-focused personnel to help when it comes to the platform. No matter the issue, large or small, Maxwell's service team is there to help. They are actively involved in quoting benefits as well through their Marketplace. Prosperity Benefits, LLC uses Maxwell Health to leverage offers with top national carriers to deliver solutions to even groups of 2 employees with products that they are not used to seeing, like critical illness, accident, cancer, and more. Maxwell Health allows Fortune 500-level benefits to be offered to even the smallest companies; which helps you win! Maxwell Health is offered at a significantly reduced rate when compared to other software.